In this episode, we dig into the tough realities of insurance in a post-fire California. With the state’s CFP (California FAIR Plan) already insolvent before the fires, private insurers pulling out, and premiums skyrocketing, we’re all likely headed toward layered coverage — think homeowner's + earthquake + flood-style plans — even for basic fire protection. It's a shifting landscape, and homeowners need to be informed now, not later.
We also break down subrogation — what it means when your insurer gets paid back from any SCE-related settlement — and take a hard look at Southern California Edison’s direct settlement offer currently being presented to fire survivors.
👉 Whether or not this offer is right for you depends entirely on your personal circumstances. While better than expected in some areas, it still leaves many behind — especially:
- Homeowners with standing but damaged homes
- Those with business, economic and personal injury losses
- And the insured folks who may see very little after subrogation, legal fees, and taxes
As co-host Shawna Dawson Beer puts it:
If this is what they’re offering to make you go away, imagine what they might offer if you make it clear you’ll go all the way to trial. If you can wait, wait. If you can’t, don’t. But either way
consult a trusted attorney about your case, not the internet, a spreadsheet, a group, or ChatGPT.
This week we’re shouting out one of Altadena’s gems — @miyaonlake. Owned by fire survivor David Tewasart, who also runs Sticky Rice, Moon Rabbit and The Goldfish (the old Hi Hat on York). Recently named one of LA’s Top 15 Thai Restaurants by the LA Times, find handwritten menus, plant-based Tuesdays, and some of the best Thai fried chicken in the city. Visit them at 2470 N Lake Ave — right next to another community favorite, @thewellrock, owned by locals Jesse and Sarah.
Let’s keep going. Tune in and stay activated.